P. Adair and F. Fhima, Accès au crédit et promotion des PME en Tunisie, Euro- Mediterranean Economics and Finance Review, vol.4, pp.26-52, 2009.
DOI : 10.7202/1024521ar

C. V. Atanasova and N. Wilson, Disequilibrium in the UK corporate loan market, Journal of Banking & Finance, vol.28, issue.3, pp.595-614, 2004.
DOI : 10.1016/S0378-4266(03)00037-2

T. Baas and M. Schrooten, ???Relationship Banking and SMEs: A Theoretical Analysis???, Small Business Economics, vol.8, issue.2, pp.127-137, 2009.
DOI : 10.1007/s11187-006-0018-7

URL : https://www.econstor.eu/bitstream/10419/18320/1/dp469.pdf

A. N. Berger and G. F. Udell, A more complete conceptual framework for SME finance, Journal of Banking & Finance, vol.30, issue.11, pp.2945-2966, 2006.
DOI : 10.1016/j.jbankfin.2006.05.008

H. Bester, Screening vs. rationing in credit markets with imperfect information, 1985.

A. W. Boot, A. V. Thakor, and G. F. Udell, Secured Lending and Default Risk: Equilibrium Analysis, Policy Implications and Empirical Results, The Economic Journal, vol.101, issue.406, pp.458-472, 1991.
DOI : 10.2307/2233552

M. Bouabidi and M. T. Rajhi, SME credit rationing: the case of Tunisia, International Journal of Business and Globalisation, vol.2, issue.2, pp.183-197, 2008.
DOI : 10.1504/IJBG.2008.016626

P. A. Casero and A. Varoudakis, Growth, private investment and the cost of doing business in Tunisia: A comparative perspective World Bank, Working paper series N°, 2004.

R. C. Fair and D. M. Jaffee, Methods of Estimation for Markets in Disequilibrium, Econometrica, vol.40, issue.3, 1972.
DOI : 10.2307/1913181

M. Gersovitz, Classification probabilities for the disequilibrium model, Journal of Econometrics, vol.14, issue.2, pp.239-246, 1980.
DOI : 10.1016/0304-4076(80)90093-7

M. Gertler and S. Gilchrist, Monetary Policy, Business Cycles, and the Behavior of Small Manufacturing Firms, The Quarterly Journal of Economics, vol.109, issue.2, pp.309-340, 1994.
DOI : 10.2307/2118465

R. Hamilton and M. A. Fox, The financing preferences of small firm owners, International Journal of Entrepreneurial Behavior & Research, vol.4, issue.3, 1998.
DOI : 10.1177/0266242695133003

K. Hallberg, A Market-Oriented Strategy for Small and Medium-Scale Enterprises. IFC Discussion Paper # 48, 2000.
DOI : 10.1596/0-8213-4727-6

C. Hurlin and R. Kierzenkowski, Credit market disequilibrium in Poland: Can we find what we expect?, Economic Systems, vol.31, issue.2, pp.157-183, 2007.
DOI : 10.1016/j.ecosys.2007.02.001

URL : https://hal.archives-ouvertes.fr/halshs-00257379

T. Ito and K. Ueda, Tests of the Equilibrium Hypothesis in Disequilibrium Econometrics, 1981.

J. J. Laffont and R. Garcia, Disequilibrium Econometrics for Business Loans, Econometrica, vol.45, issue.5, 1977.
DOI : 10.2307/1914067

G. S. Maddala, Limited-Dependent and Qualitative Variables in Econometrics, 1983.
DOI : 10.1017/CBO9780511810176

G. S. Maddala and F. D. Nelson, Maximum Likelihood Methods for Models of Markets in Disequilibrium, Econometrica, vol.42, issue.6, pp.1003-1030, 1974.
DOI : 10.2307/1914215

S. C. Myers and N. S. Majluf, Corporate financing and investment decisions when firms have information that investors do not have, Journal of Financial Economics, vol.13, issue.2, pp.187-221, 1984.
DOI : 10.1016/0304-405X(84)90023-0

URL : https://bank.uni-hohenheim.de/uploads/media/myers_majluf_1984.pdf

K. Ogawa and K. Suzuki, Demand for Bank Loans and Investment under Borrowing Constraints: A Panel Study of Japanese Firm Data, Journal of the Japanese and International Economies, vol.14, issue.1, pp.1-21, 2000.
DOI : 10.1006/jjie.2000.0442

S. J. Perez, Testing for credit rationing: An application of disequilibrium econometrics, Journal of Macroeconomics, vol.20, issue.4, pp.721-739, 1998.
DOI : 10.1016/S0164-0704(98)00081-0

R. E. Quandt, The Econometrics of Disequilibrium, 1988.

O. M. Rodríguez-rodríguez, Trade Credit in Small and Medium Size Firms: An Application of the System Estimator With Panel Data, Small Business Economics, vol.55, issue.1, pp.103-126, 2006.
DOI : 10.1080/00220389908422600

C. W. Sealey, Credit Rationing in the Commercial Loan Market: Estimates of a Structural Model Under Conditions of Disequilibrium, The Journal of Finance, vol.LXXXII, issue.3, pp.689-702, 1979.
DOI : 10.1111/j.1540-6261.1979.tb02134.x

C. Shen, Credit rationing for bad companies in bad years: evidence from bank loan transaction data, International Journal of Finance & Economics, vol.16, issue.3, pp.261-278, 2002.
DOI : 10.1016/0164-0704(94)90022-1

T. Steijvers, Existence of Credit Rationing for SME's in the Belgian Corporate Bank Loan Market. Limburgs Universitair Centrum (LUC) working paper, 2008.

J. E. Stiglitz and A. Weiss, Credit rationing in markets with imperfect information, 1981.

S. Trabelsi and A. Ries, Causes Major Tunisian Banks' 2005 Results and Outlook for 2006 Performance, Fitch Ratings Special Report, 2006.

B. Wilner, The Exploitation of Relationships in Financial Distress: The Case of Trade Credit, The Journal of Finance, vol.42, issue.1, pp.153-178, 2000.
DOI : 10.1111/j.1540-6261.1987.tb03916.x

W. Bank, Tunisie : Intégration mondiale et développement durable, choix stratégique pour le 21 ème siècle. Étude économique de la Banque Mondiale sur le moyen orient et l'Afrique du nord, 1995.